Seven Principles Mortgage Group guides homebuyers through every step of the lending process with transparency, expertise, and a genuine commitment to your financial wellbeing.
Loan Programs
We offer a full suite of mortgage products tailored to your financial profile, homeownership goals, and eligibility.
A standard, non-government-backed mortgage ideal for buyers with solid credit and stable income. Offers competitive rates and broad flexibility.
Backed by the Federal Housing Administration, FHA loans are designed for buyers who may have lower credit scores or limited savings for a down payment.
An earned benefit for those who served our country. VA loans offer zero down payment, no private mortgage insurance, and highly favorable terms.
Backed by the U.S. Department of Agriculture for eligible rural and suburban areas. Provides 100% financing to qualified buyers with moderate income.
For homes that exceed conforming loan limits. We provide the financing capacity needed for luxury properties and high-cost real estate markets.
Begin with a lower fixed interest rate that adjusts periodically. A strategic option for buyers planning to sell or refinance within a set timeframe.
Lower your interest rate, shorten your loan term, or access your home's equity. The right refinance strategy can save you thousands over the life of your loan.
Designed for homeowners aged 62 and older, a reverse mortgage allows you to convert a portion of your home's equity into tax-free funds — with no monthly mortgage payments required while you remain in the home.
Short-term financing built for investors who purchase, renovate, and resell properties. Fast approvals and flexible terms make it easier to move quickly on investment opportunities.
A Home Equity Line of Credit lets you tap into your home's equity as a flexible, revolving credit line. Ideal for home improvements, debt consolidation, or covering major expenses on your own timeline.
Mortgage Calculator
Estimate your monthly payment, plan for affordability, and walk into your lender conversation prepared and confident.
See principal, interest, taxes, and insurance broken down clearly in real time.
Adjust home price, down payment, and rate to find a monthly payment that fits your life.
Run as many scenarios as you need. When you're ready, our team is here to help.
Adjust the fields below to match your purchase scenario.
Estimated Monthly Payment
Mortgage Education
We believe informed borrowers make better decisions. Here are the key concepts every homebuyer should understand.
Pre-approval is a lender's conditional commitment to loan you a specific amount based on your financial profile. It signals to sellers that you're a serious, qualified buyer — and gives you a realistic purchase budget before you start shopping.
Your credit score, loan-to-value ratio, debt-to-income ratio, chosen loan type, and current market conditions all influence the rate you qualify for. Even small improvements in your credit profile can translate to meaningful long-term savings.
FHA, VA, and USDA loans are government-backed and offer easier qualification requirements. Conventional loans offer broader flexibility and lower long-term costs for buyers who meet stronger credit and income criteria.
Most lenders require W-2s or 1099s, recent tax returns, 30 days of pay stubs, 2–3 months of bank statements, and a valid ID. Having these ready before you apply can meaningfully speed up the approval process.
Closing costs typically range from 2–5% of the loan amount and cover appraisal fees, title insurance, origination charges, and prepaid escrow items. We walk you through a detailed breakdown so there are no surprises at the closing table.
A 30-year mortgage means lower monthly payments and greater cash flow flexibility. A 15-year mortgage builds equity faster and costs significantly less in total interest. We'll help you compare both side by side based on your goals.
Why Seven Principles
We're not just here to close a loan. We're here to be a trusted partner through one of the most significant financial decisions of your life.
We move efficiently so you can compete in today's market. Pre-approvals in as little as 24 hours with our streamlined process.
Our team brings years of hands-on experience across all loan types, borrower profiles, and market conditions.
You'll always know exactly where your loan stands. No guessing, no chasing, no surprises — just clear, timely updates at every stage.
Every borrower's situation is different. We take the time to understand your goals and match you with the right program for your life.
We believe homeownership is a cornerstone of financial stability and we work every day to make it more accessible for every family.
From your first question to closing day, Seven Principles Mortgage Group is with you at every step — providing clarity, guidance, and genuine care for your outcome.
Our Process
A clear, five-step process designed to be simple, transparent, and stress-free from start to finish.
Complete our straightforward application. We gather what we need to get your process moving quickly.
We review your financial profile and issue a pre-qualification or pre-approval letter promptly.
We present your best options with a side-by-side comparison and walk you through each one clearly.
Upload required documents through our secure portal. We'll guide you on exactly what's needed.
We coordinate every detail for a smooth, on-time closing. Then you get the keys to your new home.
Client Testimonials
Real experiences from real families who trusted Seven Principles Mortgage Group to guide them home.
"Seven Principles made the entire home buying process feel manageable. They explained everything clearly and were available every step of the way. We closed on time and couldn't be more satisfied."
"As a veteran, I qualified for a VA loan but had no idea how to navigate it. The team walked me through every detail and got me into my home with zero down. Outstanding service from start to finish."
"Refinancing felt intimidating, but the team simplified the entire process. We reduced our monthly payment by over $300 and the communication throughout was excellent. Highly recommend."
FAQ
Answers to the questions we hear most often from homebuyers and borrowers just like you.
Speak with a licensed loan officer today. Clear answers, no pressure, and a team genuinely committed to helping you get home.